ING vs Suncorp Bank home loans June 2026

ING's lowest variable home loan rate is 5.99% p.a. and Suncorp Bank's is 6.08% p.a., a gap of 9 basis points, with ING the lower of the two today. Both figures are ranked by comparison rate and refreshed daily, so check features and fees alongside the headline rate before deciding.

ING vs Suncorp Bank at a glance

Feature	ING	Suncorp Bank
Lowest variable rate	5.99% p.a.	6.08% p.a.
Lowest 3-year fixed rate	6.49% p.a.	6.99% p.a.
Lowest comparison rate	6.03% p.a.	6.12% p.a.
Products tracked	28	46
Offset available	Yes	Yes
Cashback offer	—	—

ING or Suncorp Bank: which should you pick?

On the lowest advertised variable rate, ING sits at 5.99% p.a. and Suncorp Bank at 6.08% p.a. On a $500,000 loan over 30 years, that gap works out to roughly $29 a month in repayments, so the rate difference is worth weighing carefully.

Both lenders offer an offset account, so if parking savings against your loan matters to you, neither rules itself out on that front.

The cheapest headline rate isn't always the rate a lender approves on your file. Your loan size, deposit and income all move the number, so the right pick between ING and Suncorp Bank depends on your scenario, not just the advertised figure.

Not sure which one fits your scenario?

Advertised rates aren’t always the rate a lender approves. Get the sharper of the two negotiated against your specific numbers, at no cost.

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ING vs Suncorp Bank — frequently asked questions

Who has the lower home loan rate, ING or Suncorp Bank?

As of June 2026, ING has the lower headline variable rate at 5.99% p.a., versus 6.08% p.a. for Suncorp Bank. Both are ranked by comparison rate and refreshed daily.

What's the difference between ING and Suncorp Bank home loans?

Beyond the rate, ING and Suncorp Bank differ on features. ING offers an offset account, and Suncorp Bank offers one too. Ratesniffers tracks 28 ING and 46 Suncorp Bank products, ranked by comparison rate and refreshed daily.

Is it worth switching from ING to Suncorp Bank?

It depends on the gap and your balance. The lowest advertised variable rates differ by 9 basis points today, and on a $500,000 loan even a small gap adds up over the life of the loan. Compare the comparison rate and features, then check the rate each lender would actually approve on your file.

How often are ING and Suncorp Bank rates updated?

Ratesniffers refreshes both ING and Suncorp Bank home loan rates daily. Rates can change whenever either lender reprices or the RBA moves the cash rate, so the figures on this page reflect the most recent data we hold rather than a static snapshot.

Go deeper on each lender

Full product ranges, refreshed daily and ranked by comparison rate.